1HQY Stock Overview

Provides technology-enabled services platforms to consumers and employers in the United States. More details

1HQY fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	4/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 44.6% below our estimate of its fair value

Earnings are forecast to grow 34.48% per year

Earnings grew by 73.6% over the past year

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

Community vs My Fair Value

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HealthEquity, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for HealthEquity
Historical stock prices
Current Share Price	US$87.00
52 Week High	US$0
52 Week Low	US$0
Beta	0.46
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	16.78%

Recent updates

Shareholder Returns

	1HQY	IT Healthcare	IT Market
7D	-0.6%	-1.2%	-2.3%
1Y	n/a	16.2%	14.2%

Return vs Industry: Insufficient data to determine how 1HQY performed against the Italian Healthcare industry.

Return vs Market: Insufficient data to determine how 1HQY performed against the Italian Market.

Price Volatility

Is 1HQY's price volatile compared to industry and market?
1HQY volatility
1HQY Average Weekly Movement	n/a
Healthcare Industry Average Movement	5.5%
Market Average Movement	5.5%
10% most volatile stocks in IT Market	8.6%
10% least volatile stocks in IT Market	3.4%

Stable Share Price: 1HQY's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1HQY's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2002	3,113	Scott Cutler	www.healthequity.com

HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It provides health savings accounts; investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. The company also offers flexible spending accounts for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs.

HealthEquity, Inc. Fundamentals Summary

How do HealthEquity's earnings and revenue compare to its market cap?
1HQY fundamental statistics
Market cap	€7.55b
Earnings (TTM)	€85.13m
Revenue (TTM)	€1.06b

88.7x

P/E Ratio

7.1x

P/S Ratio

Is 1HQY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1HQY income statement (TTM)
Revenue	US$1.20b
Cost of Revenue	US$422.52m
Gross Profit	US$777.26m
Other Expenses	US$680.56m
Earnings	US$96.70m

Last Reported Earnings

Jan 31, 2025

Next Earnings Date

Jun 03, 2025

Earnings per share (EPS)	1.12
Gross Margin	64.78%
Net Profit Margin	8.06%
Debt/Equity Ratio	49.9%

How did 1HQY perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/25 01:57
End of Day Share Price	2025/05/23 00:00
Earnings	2025/01/31
Annual Earnings	2025/01/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

HealthEquity, Inc. is covered by 22 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Mark Marcon	Baird
Ishan Majumdar	Baptista Research
Alexander Paris	Barrington Research Associates, Inc.

HealthEquity BIT:1HQY Stock Report